Xapii Convert
Capture and nurture customers
- Capture, nurture, and convert customers into a loyal and engaged audience that come back again, and again
API-first, headless serviceability experience
Access a range of real-time policy-configured serviceability metrics across applications and deals via Xapii’s API. Xapii’s user interface gives you real-time results, and are updated as customer and assessor actions are performed.
No more spreadsheets
Configure, version and scale your lending automation with Xapii’s fully configurable serviceability engine. Remove operational bottlenecks by managing your credit policy in a secure, auditable environment.
Deep dive into financials
Combine key metrics for a complete view of serviceability with Xapii’s detailed breakdown of financial inputs. Access advanced insights with combined monthly outputs and thorough analysis, including 14 different income types. Includes declared, detected, and validated income and expense data.
Augment, not replace
Fully configurable serviceability automation
For speed and accuracy
Seamlessly integrate Xapii platform with your existing systems.
Support scalability as your business grows and maintain regulatory compliance with explainable AI for traceable decisions. Automate the validation of customer financial position and let Xapii help you reduce operational costs and improve customer experiences.
Built for lenders, by lenders
Xapii platform allows lenders to configure any policy or policy variation, removing the overhead and risk of maintaining spreadsheets with calculation logic, income shading, tax treatments and HEM lookups.
Metrics
Meaningful metrics, for superior insights and fast decisions
Xapii serviceability metrics include:
- Net monthly surplus
- Net surplus ratio
- Debt to income ratio
- Debt servicing ratio
- Monthly repayment to income ratio
- Loan to income ratio
Best-fit
Best fit serviceability configuration out-of-the-box
Xapii’s out-of-the-box configuration allows you to deploy Xapii solutions quickly so you (and your customers) can realise the benefits, sooner.
Our managed integrations support your team to focus on more meaningful interactions, while Xapii automatically manages changes to tax rates and expense benchmarks such as Household Expenditure Measure (HEM).
Configurable
Your policy, fully configured for automation
Configure multiple credit policies tailored to your business needs.
Options include:
- Income type shading with conditional attributes (e.g., postcode, property type for rental income)
- Calculation logic for investment expenses and tax (pre vs. post haircut)
- Expense logic for declared, detected, and HEM values
- Managed tax rates (AU, NZ)
- Versioning and scheduling
Dynamic
Dynamic financial cascade, so you only use data you need
Use Xapii's dynamic financial cascade feature to determine the best possible serviceability position.
Xapii’s dynamic financial cascade determines the best possible serviceability position by prioritising four information sources, calculating serviceability based on the most trusted available source:
- Manually validated - highest priority, verified by a lender or credit assessor
- Auto-validated - system-approved under Credit Policy rules
- Detected actuals - system-detected (e.g., Open Banking) but not Credit Policy compliant
- Customer-declared - used if no other data is available
Proven tech
Built light, to do the heavy lifting
Explore Xapii's capabilities
Data Consolidation and Enrichment
Combine Xapii's data-agnostic ingestion approach with superior enrichment for unmatched lending automation and straight-through processing.Explore Data Consolidation and Enrichment
Lending Document Automation and OCR
Give your assessors back time, and get faster answers for your customers with Xapii's comprehensive document digitisation capability.Explore Lending Document Automation and OCR
Xapii Decide
Automate with purpose
- Accurate real-time lending decisioning configured to your policy requirements
- Bring your data together for AI-enriched, contextual insights your team can interact with